Permanent Life Insurance

Canadians everywhere deserve complete peace of mind during their entire sunset years. ISI’s Permanent Life Insurance provides lifetime coverage without any of the hassle.

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What is Permanent Life Insurance?

What would happen to your loved ones if something happened to you?

No one likes to think about it, but life is unpredictable. That’s where Permanent
Life Insurance by ISI comes in.

With Permanent Insurance, Canadians get peace of mind that lasts a lifetime.
As long as premiums are paid and the policy is in force, your beneficiaries are guaranteed to get a tax-free benefit.

This makes this product an ideal choice for Canadians looking for long-term coverage without the worry of having their coverage expire.

Paramount Term 100 Life Insurance

Our Paramount Term 100 is a cost-effective option for lifelong coverage. It stands out as a budget-friendly choice among permanent life insurance types. This plan ensures you have coverage for life without the added cost of cash accumulation or investment elements.

Key Features:

Available to all Canadian residents ages 18-80
No medical exams, no doctor’s reports, or nurse’s visits
Fast, paperless application
On the spot approval for most applications
Premiums guaranteed to stay level
Benefit amount up to $500,000
Lifetime coverage

Excelsior Plan

Excelsior Plan is a guaranteed acceptance life insurance plan that provides lifetime coverage with no medical exams or health questionnaires. This plan ensures that Canadians with health issues, prior denials and pre-existing conditions are able to get the coverage they need, fast.

Key Features:

Available to all Canadian citizens and permanent residents ages 18-80
Guaranteed acceptance with no medical exams or health questionnaires
Premiums guaranteed to stay level
Fast, paperless application
Benefit amount up to $50,000 with complimentary accidental death coverage up to $150,000.*
Lifetime coverage

*Conditions apply

Plans offered through partnerships with leading Canadian insurers

Whole Life Insurance

Key Features:

Permanent protection
Most plans offer guaranteed premiums that will not
increase regardless of changes in health
Guaranteed benefit that will not decrease overtime
Some plans build cash value overtime which can be
withdrawn or taken out as a loan

Universal Life Insurance

Key Features:

Permanent protection
Most plans offer guaranteed premiums that will not
increase regardless of changes in health
Offers tax-advantage investing option
Can be used as an estate planning tool

Why Do You Need Permanent Life Insurance?

Cover final expenses, including funeral costs
Provide financial support to surviving partner and your family
Products with investment component allow for wealth accumulation.
Cover your mortgage balance to ensure your loved ones can keep their family home
Cover post-secondary education for your children
Cover large debts

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